You Want Design?: December 2020

Saturday, December 5, 2020

$1 00 Gift Ideas

Table of Content

Do Gifts Under $10 Mean You're Cheap?
Little Girls Hair Clips & Accessories
Portable Mini Facial Mister
Vintage Postcard - Uncle Sam Boat Tours, Alexandria Bay, N.Y., Crossmon Dock. 1,000 Islands, Tichnor Quality Views
Scented candles. Always on trend with new and delicious scents
Piece Colorful Owl Jigsaw Puzzle, Boardgame, Art Puzzle, Family, Puzzle for Adult, Birthday gift, Owl gift, wildlife puzzle
$10.00 Gift Ideas

Simply place the charger in an area where it can get 6-10 hours of sunlight each day, and you’re in business. This nifty little tool is the perfect small gift to give your handyman/woman this Christmas. It can be adjusted to unscrew most metric nuts, wing nuts, broken nuts, stripped nuts, eye bolts, square nuts, hexes, and more. The adapter can quickly turn its drill into a socket driver. Authentic Korean sheet masks, when used regularly, can help diminish signs of aging, from dark spots and hyperpigmentation to diminishing dark circles, and puffiness.

Using the included wooden stylus, you can jot notes, etch doodles, and make the coolest illustrations and designs. Under the black surface, vivid rainbow patterns are revealed with each scratch of the stylus. Great for kids and adults both, there are 125 of these cool notes in each pack. You might be surprised at what ten bucks could buy!

Do Gifts Under $10 Mean You're Cheap?

There’s no more need for threats or intimidation of that stubborn pickle. I need some ideas for our Book Club as we have a £10 Christmas Santa at our December meeting (when each spends £10 and wraps up the gift, for the others to choose at random). Add the fixings for an ice cream sundae to a box, except for the ice cream. Musical Cards are always fun to receive especially when their favorite song can be played over and over. Photo album with printed photos of memories that were shared.

A comforting mug of steaming hot tea is the perfect way to begin Christmas morning, and this delightful tea sampler makes a delightful gift that is easy on the wallet. With 12 varieties and 60 individually wrapped tea bags, it’s one of the most inexpensive, yet highly rated, tea collections we’ve found. Whoda thunk some chip clips would make such a cool small gift for someone on your list? These adorable chip clips are so cheery and fun, we kind of want to carry them around for no reason at all. The cuties seal in all the tasty goodness of their favorite snack foods for days. When they’re finished snacking, they can simply clip the packet closed and keep food storage organized and looking adorable in their cupboards, draws or wherever.

Little Girls Hair Clips & Accessories

Each with scathing insults like “Thy wit’s as thick as Tewksbury mustard,” and “Do thou amend my face, and I’ll amend my life.” Your giftee may never stop laughing. This set of fifteen assorted plasters are decorated with an image of Shakespeare and one of fifteen insults from his plays. This is the perfect cheap Christmas gift for fidgeters everywhere.

TheirPineapple and Habanero Hot Sauce can turn a boring old chicken breast into an interesting and delectable dish too. Families are busier than ever these days so this cool Christmas gift is a quick way to tap into everyone in the house to make sure that Fido gets fed. Simply slide the little button into the green zone, morning and night to ensure your pooch isn’t starving while you’re surviving daily life and work.

Portable Mini Facial Mister

Candles are a huge fave with the ladies we polled at No Brain so that's all you need to know. Super popular with parents and teachers alike, this dice game gets kids into math as something fun. Gameplay provides a stealth learning experience, where players learn early math skills through fun gameplay. Geared for kids ages 6 and older, this is a great way to build their enthusiasm for learning. A toilet full of stinky poop is more than a problem, it’s a major embarrassment, especially if one’s forced to do the deed in public. That’s why Poo Pourri’s Before You Go spray is such a genius little gift of an idea.

Plus it can help eliminate the need for an immersion blender because you can quickly whip up dressings and sauces using your own shaking superpowers and the stainless steel whisk ball. Use it to make a quick oil and vinegar dressing, and any other of a myriad of uses. It has an easy open and close spout that eliminates spills and keeps your creations fresh when refrigerated. If you have men on your gift list, give them tiger’s eye, agate, or amethyst.

Vintage Postcard - Uncle Sam Boat Tours, Alexandria Bay, N.Y., Crossmon Dock. 1,000 Islands, Tichnor Quality Views

With six awesome colors, these polishes are perfect for stamping and other nail art endeavors. Everyone deserves a little pampering, especially during the holidays. This almond milk body butter and shower cream set is sure to do just that with its shea butter moisturizing qualities for silky-smooth and soft skin. This mini notebook makes a cute and easy gift for kids who are still learning to draw and write.

With just one fill, these globes can water a plant for up to two weeks, depending on its size, which makes them perfect for frequent business travelers. A perfect small gift for your wife, sister or any other lady that’s a strong type, this cotton pillow will keep her giggling every time she looks at it. This is a great throw to add to the living room or bedroom and the zipper cover is easy to remove and launder. Teachers will LOL after reading these hilarious test answers from real students across the globe. "My mother is a retired high school teacher so this was the perfect gift. She has enjoyed this silly book that is a nice dose of humor in her day," one reviewer wrote. If you need more inspiration for budget shopping, we have plenty of clever ideas for gifts under $20 and under $30 as wll.

This stainless steel grill scraper is a safe and easy way to get last week’s meal off the grill and cuts through cooked on juices and sauces with ease. This two-in-one grill gadget includes ten different grooves for round grates and one groove for V-shaped grates. The longer handle design makes it much easier to use and more efficient than many of the round scrapers. Effects include a voice amplifier and colorful flashing LED lights. Just remember, they’ll get you back one day, though. Not to sound a bit Scrooge-like this Christmas, but this gift might be the perfect way to exact revenge on your siblings with kids.

You also get a wooden comb, plus a brush hanger to make sudsing up simple and convenient. At this cheap price, it’s a super nice pampering gift for any man or woman on your gift list. They’ll test logic, patience, and creative minds with this pack of eight cool yet simple brainteasers. Our featured set has two separate puzzle sets, so if you’re really on a tight budget you can split them between two people and be way under your planned expenditure. Hands down, this is one of our favorite Christmas gifts under $10.

Each page comes perforated, allowing you to easily tear out and frame your masterpiece. Everyone has that one friend who loves crafting to-do lists. Tailor their Christmas gift to their inner organization chops with this ultra-motivating notepad. New Mommy Amenity Kit Dove deodorant, hand sanitizer, Scope mouthwash, Restore shampoo, lotion and soap bar, Colgate toothpaste, black toothbrush, razor and mini lip balm.

While it says it’s good for kids six and up, it might be better for a child that’s a bit older, because projects like these take lots of patience. All this awesome stuff is contained in a zippered case that keeps things secure. Got a guy who’s simply in love with his facial fur?

Piece Colorful Owl Jigsaw Puzzle, Boardgame, Art Puzzle, Family, Puzzle for Adult, Birthday gift, Owl gift, wildlife puzzle

Whiskey lovers will celebrate finally having a great weighted glass to sip from. If you're shocked by the great quality and low price of this engraved leather wallet, trust us—we are, too! It's made from fine full-grain leather with six card slots.

You could also get him some hot and spicey snacks to go with his hot sauces. Who doesn't appreciate a nice warm beverage in the morning to kick start your day? Our team at Nobrain has been known to get into heated discussions about the best coffee grinder, coffee maker, coffee cups and of course coffee beans.

Friday, December 4, 2020

How to Go Paperless in 2019: A Month-by-Month Plan AWordPressSite

Table of Content

Scanners
Use Your Smartphone for Notes
People from all over the world already went paperless by doing all their handwritten note-taking and PDF annotating in…
External storage
of the greatest & most recent flower tutorials online! – 2019

I can’t get the Windows backup program to work on my desktop, and have been doing it manually. Unfortunately, I have no faith in info in the cloud remaining secure, so it’s hard drive only for now. The hard drive will go in my safe deposit box when i travel. There will also be personal mementos which have an emotional attachment; marriage licenses and diplomas for instance.

Back up the “File Cabinet” folder on your desktop to your external hard drive. Keep your external hard drive in your fire safe as well. Only scan files for which you DO need copies.

Scanners

Most of the digital tools and software you use on a daily basis are specifically geared to take your business from paper to digital. Since documents are no longer created on a typewriter, the document exists in digital form somewhere to begin with. Even those who work in construction can find excellent software to help manage and organize blueprints, which are often created using computer software as well. There are paperless office apps available for every type of device. Some of these apps are free and can be implemented as company-wide initiatives. There are also plenty of great applications you can purchase for use across your organization.

Most of your vendors will provide you with the option to switch to electronic billing. Bills can be emailed to your AP/AR department, and payment can be made online, removing the clutter of mailed paper bills and the hassle of writing checks. Instead of gathering data with paper forms, use an online form builder, like Jotform.

Use Your Smartphone for Notes

This form of arts and crafts also can be very stimulating for adults. Some, use the paper crafting cloth for decorations, with the aid of placing them in a present basket or using them as gift wrap. While others use them for an American favored pastime known as scrap booking. Paper crafts had been very popular for a while now.

Subscribing to digital copies also enables you to create an archive of all the important statements and bills, and store them in a neatly organized way. Saving and storing your archive on online storage services like Google Drive or Dropbox is a far better option compared to storing physical paper documents in a file. You can also neatly organize your digital files using apps like Documents — the best file manager app for iPhone and iPad. Digital documentation demands a robust protocol for storage and data backup. Lost documents can cost your company time and money.

People from all over the world already went paperless by doing all their handwritten note-taking and PDF annotating in…

Scanning your document is not only helpful for environment saving but also it helps you to organize your documents easier and safer. Then that external hard drive goes back into my fireproof safe. I did lots of research into hard drives, cloud storage, and digital filing systems and ended up adopting a lot what Just a Girl and Her Blog shares in her post.

We’ve gradually gone paperless over the last 10 years of being ‘homeless.’ Trying to maintain accounts in two countries (bank, investment, credit card, etc.) would have been . I was going to say a nightmare but I really think it would have been impossible. Himself shredded some redundant documents when we left the States only to find that Customs wanted to see them before releasing our goods. Your ‘scan and toss’ advice would have been helpful then! Not helpful that they didn’t inform us at the beginning of the process.

External storage

If your company is still using a fax machine, it’s time to phase it out. Many companies don’t have fax machines, and it’s easy to switch from faxing to emailing or even texting documents, or faxing through the web. When possible, they can recycle these paper copies. Back then, the technology to take any actionable steps toward a paperless office didn’t exist. The idea of doing business, both personal and professional, without using any paper was a sort of prediction of the future brought about by the invention of computers.

Also, it may not be with you when you need it the most, which can be a little frustrating. Having said that, most of us have the patience to wait until we get back home. You can buy a 1 Terra Byte hard drive for around $80USD, and this is more than enough storage for the average person. If you carry hundreds of large files, like videos, you may need to go for more capacity.

If you get theFujitsu Scan Snap S1300i scannerit installs Scan Snap Manager software onto your laptop in order for you to use it. It allows you to dictate where you send your scans and it allows you to send it to multiple places. I’ve been fighting to reduce mail for many years. I didn’t see this on anyone’s comments so I thought I would mention that nearly every entity that you do business with has a Privacy Statement on their website.

Identity theft is a real and growing problem. Shredding sensitive documents is one way to deter thieves. For legal documents, such as birth certificates, deeds, titles, etc., it’s smart to save a physical copy in a fire-safe safety deposit box. Although it doesn’t happen overnight, ridding your home of paper clutter isn’t complicated. Below are some simple steps to help you get started. You can’t expect to immediately throw out stacks of papers, sell your old file cabinets at a garage sale, and never have to deal with paper again.

How to Go Paperless at Home Here are the 5 First Steps

Table of Content

What’s your process for going paperless at home?
March: commit to starting slowly and chipping away
Save important documents in at least two places
The process of becoming paperless
Rackitfile Wall Hanging File Folder System Scrapbook Paper Storage – 2019
How to Cram a Home Office Into a Small Apartment

However, when dealing with bank statements, tax papers, identification and other essential documents, it’s crucial that you take the time to shred your paper before recycling. Smaller companies might opt for thumb drives or removable hard drives to store their backups. Remember to move that storage tool to a different location. Having a saved backup next to your computer won’t do much good if the office burns down in a fire. One of the biggest advantages of going paperless is the fact that paperless document management is more efficient.

In fact, ink cartridges and paper are often some of the highest home office expenses. Cutting down on the amount of paper you use will save money. Your paper consumption means lost hours creating documentation. This might include printing, copying, faxing, and scanning.

What’s your process for going paperless at home?

If you have two forms of storage, one can act as a fail-safe for the other. We recommend backing up your documents in the cloud and on a hard drive. Wirecutter has five hard drive recommendations to choose from, depending on the volume of data you regularly back up and how often you want to move it around.

March: commit to starting slowly and chipping away

Luckily I made the executive decision to skip transition and just dive right in. We help people note down, shape and share their ideas with the world’s best-loved digital paper. If you believe Wordfence should be allowing you access to this site, please let them know using the steps below so they can investigate why this is happening.

You can upload the app to any device to access your documents wherever you are, and you can allow other people to access your Dropbox folders or send files via Dropbox. If you’re interested in going paperless at home, work, or both, it’s important that you start by assessing where you use and accumulate the most paper. Most organizations and people won’t be able to completely eliminate paper overnight. If you break it down into actionable steps, you can get in the habit of using less paper.

Save important documents in at least two places

Larger organizations might want to stick to NetDocuments, Box, or Google Drive. I share the opinion of many legal tech experts that the best solution for desktop scanners is the Fujitsu ScanSnap ix500. For approximately $400 these machines come with PDF creation software, process 25 double-sided pages per minute, and perform all sorts of wonderful tasks. It’s time to make the plunge and buy hardware. And the best move is to get desktop scanners and put them on everyone’s desks.

But when August hits and business slows, take advantage of the downtime to really make a dent in your scanning backlog. One of the biggest forms of waste in a law firm is sending out paperless bills and waiting for checks. This onerous process requires many people-hours, is a slow way to collect revenue, and is out of step with how many modern clients want to pay. Whether it’s your annual Christmas card, or an invitation to a Fourth of July party, creating digital greetings and invitations will save you time, money and paper.

The process of becoming paperless

We can send these scans to Evernote, the program we use to organize our files, so that they are all in one place. I will go into more detail about all of that in a minute. Six months later, we have still been able to keep it up because even when I fall behind or lose motivation (which I knew I would!), it is really easy to play catch up.

Otherwise your medical paperwork, insurance policies, etc. and scan and shred it! It is SO freeing to get rid of all those papers. Not only that, but turning them into a digital files makes them even easier to find . Stores also sometimes require the original receipt.

How to Go Paperless

Not everyone in your company should have access to every type of file. You should develop role-based access that allows employees to access only the information that’s pertinent to their responsibilities. No matter which phone or provider you have, you likely have a decent camera. You can take clear photos of any document you’d like to save and either upload them to your computer or email them to yourself to file.

So it’s crucial that you regularly backup your files onto external storage. Your paperless system can be elaborate or simple, and you can easily set it up with the basic programs on your computer. Your company size and industry will dictate the level of intricacy involved in the vendor you choose to handle your digital filing or document management. Depending on your industry, there may be a legal mandate for how long you need to keep client files. Any tax records need to be held for seven years. After that time period, you should purge all records from your system, even digital ones, to make room for new records.

Business – this is where I store all of my files that relate to business-related activities. With our recent move to a smaller flat, we had to look closely at how we could get rid of things to save on space. Looking at piles of old paperwork, I knew it was time to find a solution to our paper problem.

Click on that and check “no” or “opt out” on everything you can. This keeps them from selling/providing your name to others. This is especially important to do for credit card companies. I also use a free service on the web that will harass those 3rd class mailers who ignore the federal opt out and continue to send me mail. Once I turn the name over to the free service, it has generally been rectified. Spend time thinking about how you want to organise your files.

How to Go Paperless at Home – 2019 - Paper ideas

I checked the notes app on my iPhone, and couldn’t locate any scanning function on it. It doesn’t appear to exist anywhere in that app. So I’ve given up on the notes app for scanning.

Thursday, December 3, 2020

Can Fin Homes Balance Sheet, Can Fin Homes Financial Statement & Accounts

Table of Content

Can Fin Homes mulls raising up to Rs 4,000 cr debt capital
Can Fin Home Loan Eligibility
Market Dashboard
Risk Management
Popular Products MyMoneyMantra

Additionally, you have Housing.com at your service, providing you with the money for an array of home loan solutions. Takeover or balance transfer of Housing Loan in other financial institution subject to Canfin Policy. During the last 5 years, there has also been a shift towards the self-employed and non-professionals in an attempt to broaden the client base. Reproduction of news articles, photos, videos or any other content in whole or in part in any form or medium without express writtern permission of moneycontrol.com is prohibited. Gross NPAs stood at ₹19.76 crore amounting to 0.19 per cent of the loan book.

The prime reason for such purchase is that it is a sound investment, providing handsome dividends by a steady appreciation of the property value. Canfin has just such a tailor-made scheme for high net-worth individuals who have a discerning taste in the form of Individual Housing Loan Super. It has all the features similar to the other housing loans, but the interest is comparatively higher.

Can Fin Homes mulls raising up to Rs 4,000 cr debt capital

The company, as on date, has 193 Branches, 21 Affordable Housing Loan Centres & 12 Satellite Offices spread across various locations of the country in 21 States & Union Territories, total 205. All these branches and satellite offices are linked to the Registered Office at Bangalore through a core banking platform. Being a south based company, 70% of its branches are located in southern India. Canfin Homes Loans Limited boasts of rewriting the contours of direct funding of home loans. It was the first Housing Finance Company in the country sponsored by a public sector bank. It was established in the year 1987, significantly in the International Year of Shelter for the homeless.

Furthermore you can also access Can Fin Home Loan Eligibility Calculator and determine loan amount eligibility. You need to share present income, existing liabilities, intended EMI for loan, tenure and rate of interest. Using these financial EMI Calculators helps you make an informed decision. Of late many NRIs and PIOs are opting for housing loans for funding purchase of the property.

Can Fin Home Loan Eligibility

The company said it will raise the funds in one or more tranches for a period up to the date of the annual general meeting of the current fiscal year. As a first step, a look at applicable Canfin interest should be of interest to the prospective clients getting a feel of the cost of capital, so that there can be a comparison with the peer groups. The largest chunk of Canfin home loan portfolio is held by the salaried class and professions.

The home loan tax benefits are applicable as per Income Tax Act 1961. The maximum loan amount will depend on the value of the property. Can Fin Home Loan approves home loans up to 90% of the project cost. Apply for instant home loan online at Interest Rate starting from as low as 8.00% p.a. The loan can also be applied for construction, renovation or extension of house/ flat.

Market Dashboard

Can Fin Homes, the housing finance company sponsored by Canara Bank, has more than doubled its net profit for the March quarter on higher income. The housing finance company’s net interest income declined about 2 per cent yoy to ₹206 crore (₹210 crore in the year ago quarter). You can apply for Can Fin Home Loan online or offline as per your convenience. The home loan application form can be downloaded from bank website and submitted along with required documents to the nearest branch. More convenient option is applying online for Can Fin Home Loan and uploading the required documents. In digital application, the loan will be approved and sanctioned online.

The tenure for Can Fin Home Loan will vary from 5 years to 30 years. The Can Fin Home loan amount is calculated as a percentage of market value of property. To help you compare home loan EMIs for Canfin Home Loan, sharing below EMI Calculation for Rs 10 Lakh to Rs 70 Lakh amount for 10, 20 & 30 years at lowest rate of 9.25% p.a. Purchase, repair or construction of ready to move home or under construction residential property. Other features & benefits are same as regular individual home loans. The Can Fin loan amount varies from 75% to 85% of property value.

Canfin is headquartered at Bangalore administering five clusters at Bangalore, Chennai, Hyderabad, Delhi, and Mumbai. They have an extensive network in a PAN India level to cater to the diverse cross – section of our society with affordable home loans. Canfin has 54 branches, 21 Affordable Housing Loan Centers, 14 Satellite Offices, 189 outlets spread over 100 cities in 21 States and Union Territories. The lender will assess credit history, income documents and financial health of the co-borrower.

As at December-end 2021, the outstanding loan book was up 19 per cent yoy to stand at ₹25,091 crore (₹21,004 crore as at December-end 2020). Disbursements jumped 123 per cent yoy to ₹2,472 crore (₹1,106 crore). Revalidation FeeRs 500Pre-closure chargeNILPrepayment charges NIL for up to 10% of the opening principal balance in a financial year. Repayment tenure- 30 years, subject to repayment age of 70 years. We provide a wide range of medical insurance plans that cover medical risks to protect your financial plan and savings.

For the year-ended March 2016, Can Fin Homes’ net profit grew 82 per cent to ₹157.11 crore compared to ₹86.24 crore in the corresponding period last year. Income for the year grew 33 per cent to ₹1,083.54 crore from ₹817 crore earlier. Net profit rose to ₹47.45 crore for quarter ended March 2016 as against ₹22.89 crore in corresponding quarter last year. Income for the quarter grew 30 per cent to ₹295.27 crore as against ₹227 crore in the corresponding quarter previous year. The lender will also assess existing assets & liabilities of main applicant as well as co-applicants. The applicants should hold legal proof for age, qualification & ownership of property concerned.

I have read Privacy Policy and Terms & Conditions and agree to receive newsletters and other communications on this email ID. Many NRIs provide for their parents and look at it as a safe shelter in India. To top it, there is a healthy trend in the appreciation of the value of the property.

Salaried, professionals, non-professionals, NRIs & pensioners can apply. After 3 years, ROI will switch to prevailing floating rate for residual amount. Customers with good payment record will be eligible for top up & personal loan. Salaried, professionals, self-employed non-professionals, NRIs or pensioners can apply. Customised CanFin home loan schemes for ready to under construction properties. You are just a few clicks away from the best Home Loan offer in your city.

The above Can Fin rates of interest are offered on floating basis. In combo home loans, the rates are fixed for first three months and shift to floating rates thereon. Also, the rate is fixed for 7 years after the request for refinance. It is fixed for the first three years and gets automatically converted to the floating rate after the expiry of this period. Other than this loan there is also a provision of Commercial Housing Loan for such customers.

The checklist for documents required for Housing loans, Non Housing loans and Deposits indicates all the necessary documents that are required for the loan process. Please keep all the documents handy as per the list for a hassle-free loan experience. The company said it has held Rs 72.89 crore worth of provision, which is more than required, in accordance with RBI guidelines relating to COVID-19 regulatory package.